ACH transfers move funds between your Increase account and any other account accessible by the Automated Clearing House (ACH).

Fields

• id - The ACH transfer's identifier.
• account_id - The Account to which the transfer belongs.
• account_number - The destination account number.
• acknowledgement - After the transfer is acknowledged by FedACH, this will contain supplemental details. The Federal Reserve sends an acknowledgement message for each file that Increase submits.
• addenda - Additional information that will be sent to the recipient.
• amount - The transfer amount in USD cents. A positive amount indicates a credit transfer pushing funds to the receiving account. A negative amount indicates a debit transfer pulling funds from the receiving account.
• approval - If your account requires approvals for transfers and the transfer was approved, this will contain details of the approval.
• cancellation - If your account requires approvals for transfers and the transfer was not approved, this will contain details of the cancellation.
• company_descriptive_date - The description of the date of the transfer.
• company_discretionary_data - The data you chose to associate with the transfer.
• company_entry_description - The description of the transfer you set to be shown to the recipient.
• company_id - The company ID associated with the transfer.
• company_name - The name by which the recipient knows you.
• created_at - The ISO 8601 date and time at which the transfer was created.
• created_by - What object created the transfer, either via the API or the dashboard.
• currency - The ISO 4217 code for the transfer's currency. For ACH transfers this is always equal to usd.
• destination_account_holder - The type of entity that owns the account to which the ACH Transfer is being sent.
• external_account_id - The identifier of the External Account the transfer was made to, if any.
• funding - The type of the account to which the transfer will be sent.
• idempotency_key - The idempotency key you chose for this object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about idempotency.
• inbound_funds_hold - Increase will sometimes hold the funds for ACH debit transfers. If funds are held, this sub-object will contain details of the hold.
• individual_id - Your identifier for the transfer recipient.
• individual_name - The name of the transfer recipient. This value is informational and not verified by the recipient's bank.
• network - The transfer's network.
• notifications_of_change - If the receiving bank notifies that future transfers should use different details, this will contain those details.
• pending_transaction_id - The ID for the pending transaction representing the transfer. A pending transaction is created when the transfer requires approval by someone else in your organization.
• preferred_effective_date - Configuration for how the effective date of the transfer will be set. This determines same-day vs future-dated settlement timing. If not set, defaults to a settlement_schedule of same_day. If set, exactly one of the child attributes must be set.
• return - If your transfer is returned, this will contain details of the return.
• routing_number - The American Bankers' Association (ABA) Routing Transit Number (RTN).
• settlement - A subhash containing information about when and how the transfer settled at the Federal Reserve.
• standard_entry_class_code - The [Standard Entry Class (SEC) code]to use for the transfer.
• statement_descriptor - The descriptor that will show on the recipient's bank statement.
• status - The lifecycle status of the transfer.
• submission - After the transfer is submitted to FedACH, this will contain supplemental details. Increase batches transfers and submits a file to the Federal Reserve roughly every 30 minutes. The Federal Reserve processes ACH transfers during weekdays according to their posted schedule.
• transaction_id - The ID for the transaction funding the transfer.
• type - A constant representing the object's type. For this resource it will always be ach_transfer.